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THIS INSTRUMENT PREPARED BY:
Carlene Stadler
VED 3/9/2007 at 4:28 PM
REC~~CE\V\NG # 927509
PAGE: 5
BOOK: 65~NNE WAGNER wY
N CO~NTY CLERK, KEMMERER.
LlNCOL
LOAN NUMBER: 1655792 ASSESSOR PARCEL NUMBER: 567
RECORDED AT THE REQUEST OF
f.Þm 'l/IIEIf rrli:COR];.)1ìI;) MAIb TO:
Countrywide Home Loans, Inc.
7105 Corporate Drive, PTX A242
PIano, Texas 75024
(SPACE ABOVE THIS LINE FOR RECORDER'S USE)
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MODIFICA nON AGREEMENT TO HOME EQUITY LINE OF CREDIT AGREEMENT AND
DISCLOSURE STATEMENT
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This Modification Agreement (this "Modification") is made as of 2/2/2007, between JEFFREY KEITH
JENSEN and LAURA FAYE JENSEN (the "Borrower(s)") and Countrywide Home Loans, Inc..
("Countrywide"), and amends and supplements that certain Home Equity Line of Credit Agreement and
Disclosure Statement, and that certain Mortgage which states the property is vested in JEFFREY KEITH
JENSEN and LAURA FAYE JENSEN, HUSBAND AND WIFE, dated 5/10/2002 and recorded
ý2/3~ø f/O/J/in Book Number 489, at Page Number 632, as Document No. 081050, in the Official Records
of the County of LINCOLN, State of Wyoming (the "Security Instrument"), and covering the real property
with a commonly known address as: 89]68 US HIGHWAY 89, AFTON, WY 83] ]0, and more specificalIy
described as folIows:
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SEE "EXHIBIT A" ATTACHED HERETO AND INCORPORATED HEREIN.
In consideration of the mutual promises and agreements of the parties hereto, together with other good and
valuable consideration, the receipt of which is hereby acknowledged, the parties agree as follows:
]. Amendment to Credit Limit: My credit limit under the Home Equity Line of Credit Agreement and
Disclosure Statement is modified to $44,700.00.
2. Amendment to Margin: The Margin used to determine my ANNUAL PERCENTAGE RATE is
modified to 0.375 percentage points.
3. Representation of Borrower(s): Borrower(s) represent(s) to Countrywide Home Loans, Inc. that:
a) Except for the Security Instrument and any prior liens identified in the Security Instrument,
there are no other liens, encumbrances or claims against the Property other than (i) real
property taxes that are paid current and not due or owing, (ii) easements, (iii) homeowners
association covenants, conditions and restrictions, and (iv) local government or municipal
assessments and development bonds;
b) ¡There has been no increase, amendment or modification of any liens prior to the Security
Instrument other than those agreed to by Countrywide Home Loans, Inc. in writing;
*RECORDING INFO: Date 5/10/2002
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0927509
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LOAN NUMBER 1655792
c) I am/We are the only owner(s) ofthe Property: there are no other family members or non-
family members who own any interest in the Property. Additionally, Borrower(s) represent
that there are no changes in title or vesting since the origination of this loan on 5/1 0/2002. In
the event there are changes, Borrower(s) has/have notified Countrywide Home Loans, Inc. of
such changes prior to the completion of this modification;
d) There are no buildings, fences, overhangs, wall or other structures from other land coming
onto or encroaching on the Property. There are no buildings, fences, overhangs, walls or
other structures from the Property which are going onto or encroaching onto any other
properties or onto any easements running over or under the Property;
e) I/We have paid for all cost, expenses and other sums owed for any and all construction,
improvements, rehabilitation, remodeling, or other work done to, on, at, or in the Property
including for labor, material, and supplies (collectively, the "Construction"). Currently, there
is no Construction occurring. I/We have not requested any further Construction. I/We will
not have any Construction done or allow any to be done prior to closing this Modification;
f) I/We understand that homestead property is in many cases protected from the claims of
creditors and exempt from sale at foreclosure and that by signing this contract, I/we
voluntarily give up my/our right to the protection of the property with respect to claims based
upon this contract;
g) If Lender has not required my/our current income documentation, I/we certify that my/our
current income has not decreased since the time of my/our original Home Equity Line of
Credit Agreement and Disclosure Statement described above.
h) I/We certify that the representations set forth in this Modification agreement are true and
correct as of the date opposite my/our signature(s) and that Countrywide Home Loans, Inc.
has been notified of any necessary changes. Any intentional or negligent misrepresentation(s)
may result in my/our loan being in default, civil liability and/or criminal penalties.
4. Limited Effect:The parties agree that this Modification shall be construed narrowly and limited to the
items expressly modified herein. Except as expressly provided for by this Modification, all terms,
requirements and obligations of the Home Equity Line of Credit Agreement and Disclo'sure Statement
and the Security Instrument, and all rights of Countrywide Home Loans, Inc. under, remain in full
force and effect, unaltered by this Modification. Capitalized terms in this Modification have the same
meaning as in the Home Equity Line of Credit Agreement and Disclosure Statement.
5. Effective Date/Availability of Funds: If this Modification is completed, signed, notarized, and
received by Countrywide Home Loans, Inc. within ten (10) calendar days after the date first written
above, it will be effective ten (10) calendar days after the date first written above 2/12/2007. Ifnot
received within that time, the Modification is null and void. IfI do not exercise my right under Federal
law to rescind this transaction, the increase in the amount of funds available due to the modification of
my credit limit will be accessible after midnight of the third business day following the Effective Date,
unless that day is a Saturday, in which case, the funds will be available the next business day. For
purposes of this section, "business day" means all calendar days except Sundays and legal public
holidays specified in 5 U .S.C. 6103(a).
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Initials A 11~/'. /
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MODAGRBTH 4804 08/1712005
O~27509
OOOOO~ì
LOAN NUMBER 1655792
6. Agreement to Correct Misstated Documents, Provide Additional Documentation, or Fees:
Borrower(s) agrees as follows: If any document is lost, misplaced, misstated, inaccurately reflects the
true and correct terms and conditions of the modification of the Loan, or is otherwise missing, upon
request of the Lender, Borrower(s) will comply with Lender's written or oral request to execute,
acknowledge, initial, and deliver to Lender any documentation Lender deems necessary to replace or
correct the lost, misplaced, misstated, inaccurate or otherwise missing document(s). Borrower(s)
agrees to deliver the documents within ten (10) days after receipt by Borrower(s) ofa written or oral
request for such replacement. Borrower(s) also agrees that at any time, upon request by Lender,
including at the time of loan pay-off, Borrower(s) will supply additional amounts and/or pay to Lender
any additional sum previously disclosed to Borrower(s) as a cost or fee associated with the
modification of the Loan, which for whatever reason was not collected at the time this modification
was entered into ("Fees"). This agreement supplements any other similar agreement that was entered
into by Borrower(s).
7. Request by Lender: Any request under Paragraph 6 of this agreement may be made by the Lender,
(including assignees and persons acting on behalf of the Lender) or Settlement Agent, and shall be
prima facie evidence of the necessity for same. A written statement addressed to Borrower(s) at the
address indicated in the loan documentation shall be considered conclusive evidence of the necessity
for the Documents.
8. Failure to Deliver Documents can Constitute Default: Borrower(s) failure or refusal to comply with
the terms of the correction request may constitute a default under the note and/or Deed of Trust, and
may give Lender the option of declaring all sums secured by the loan documents immediately due and
payable.
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MODAGRBTH 4804 08/1712005
0927509
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LOAN NUMBER 1655792
IN WITNESS WHEREOF, this Modification has been duly executed by the parties hereto the day and year
first above written.
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IE ITH JENSE
.j -""07
Date
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D e /'
Witness
Witness
Signature of Witness
Signature of Witness
CO-OWNER(S)
The undersigned hereby consents to the execution of this Modification which serves to increase the lien
amount on the Subject Property.
Date Date
Witness Witness
Signature of Witness Signature of Witness
Notary Ac~nowledgement for Borrower(s)/Owner(s)
State of (,lJ't;ð t ~
County of. L ~\..\.....-
On .1 --2..ÚIJ ' before me,
Date
personally appeared - . subscribed to
Name(s
_ Personally known to me
~ Proved to me on the basis of satisfactory evidence
to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that
he/she/they executed the same in hislher/their authorized capacity(ies), and that by his/her/their signature(s)
on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the
instrument.
WITNESS MY HAND AND OFFICIAL SEAL
Signature
NANCY J. BROWN - NOTARY PUBLIC
COUNTY OF . . . STATE OF
LINCOLN - WYOMING
MY COMMISSION EXPIRES
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MODAGRBTH 4804 08/1712005
O~27509
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EXHIBIT A
SITUATED IN THE COUNTY OF LINCOLN AND STATE OF WYOMING:
A PORTION OF THE SOUTHWEST 1/4 SOUTHWEST 1/4 OF SECTION 6,
TOWNSHIP 32 NORTH, RANGE 118 WEST, 6TH PRINCIPAL MERIDIAN,
LINCOLN COUNTY, WYOMING, DESCRIBED AS FOLLOWS:
BEGINNING AT A POINT 874.39 FEET NORTH FROM THE SOUTHWEST
CORNER OF SAID SECTION 6, AND RUNNING THENCE NORTH 135 FEET;
THENCE EAST 150 FEET; THENCE SOUTH 135 FEET; THENCE WEST 150
FEET TO POINT OF BEGINNING.
Permanent Parcel Number: 3218-063-00-15200
JEFFREY KEITH JENSEN AND LAURA FAYE JENSEN,
HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES
89168 US HIGHWAY 89, AFTON WY 83110
Loan Reference Number 4613693/1655792
First American Order No: 11366509
Identifier: FIRST AMERICAN LENDERS ADVANTAGE
1/11 "" I "111111 II '" JENSEN
11366509: - . . WY
FIRST AMERICAN LENDERS ADVANTAGE
MODIFICATION AGREEMENT
1/11 "" II" 111111111111111111" 11111111111'1 11111111'1'"
When recorded mail to:
FIRST AMERICAN TITLE INSURANCE
LENDERS ADVANTAGE
1100 SUPERIOR A VENUE, SUITE 200
CLEVELAND, OHIO 44114
ATTN: FT1120